Sold by: Decentro
Deployed on AWS
Build and scale payment experiences with APIs for payouts, UPI payment collections, virtual accounts, and recurring payments. Decentro Flow helps fintechs, banks, and enterprises launch reliable payment infrastructure with secure integrations, orchestration, and real-time transaction workflows.
Overview
Flow is a payments infrastructure platform that enables fintechs, banks, NBFCs, and enterprises to build and scale modern payment experiences through APIs and SDKs. The platform provides unified access to UPI payments, payouts, collections, virtual accounts, UPI Autopay, and transaction workflows through developer-friendly integrations and enterprise-grade reliability.
With Decentro's Flow, businesses can automate payment operations, streamline money movement, and reduce the complexity of managing multiple banking integrations. Features such as real-time transaction processing, reconciliation support, webhook-based event notifications, and scalable orchestration help teams launch faster while maintaining security, compliance, and operational visibility.
Designed for high-growth financial workflows, Flow supports use cases across lending, insurance, wealthtech, ecommerce, and SaaS platforms. Businesses can use the platform to power collections, vendor payouts, subscription payments, account-based transfers, and embedded banking experiences with flexible APIs and scalable infrastructure.
Highlights
- Automate UPI payments, payouts, collections, virtual accounts, and UPI Autopay workflows through a unified payments infrastructure API platform built for fintechs, banks, and enterprises.
- Launch payment workflows faster with developer-friendly APIs, SDKs, webhooks, sandbox environments, and streamlined banking integrations designed for scalable transaction processing.
- Improve operational efficiency with real-time transaction tracking, reconciliation support, secure payment orchestration, and enterprise-grade infrastructure for high-volume financial operations.
Details
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Delivery method
Deployed on AWS
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Pricing
Pricing is based on the duration and terms of your contract with the vendor, and additional usage. You pay upfront or in installments according to your contract terms with the vendor. This entitles you to a specified quantity of use for the contract duration. Usage-based pricing is in effect for overages or additional usage not covered in the contract. These charges are applied on top of the contract price. If you choose not to renew or replace your contract before the contract end date, access to your entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/12 months |
|---|---|---|
Decentro's Flow Platform | Access to Decentro's Flow payment infrastructure APIs including UPI payments, payouts, collections, virtual accounts, and recurring payment workflows, with additional usage billed based on consumption. | $7,200.00 |
Dimension | Description | Cost/unit |
|---|---|---|
Incoming Transfers | Incoming money transfers and UPI QR collections | $0.005 |
Outgoing NEFT | Outgoing NEFT payment transactions | $0.019 |
Outgoing RTGS | Outgoing RTGS payment transactions | $0.071 |
Outgoing IMPS and UPI | Outgoing IMPS and UPI payment transactions | $0.059 |
Virtual Accounts | Virtual account and UPI ID creation workflows | $0.01 |
Bank Verifications | Physical bank account verification requests | $0.024 |
eNACH Registrations | eNACH mandate registration requests | $0.088 |
eNACH Presentations | eNACH mandate presentation requests | $0.071 |
eNACH Modifications | eNACH cancellation, return, and modification requests | $0.094 |
UPI Autopay Registrations | UPI Autopay mandate registration requests | $0.076 |
Dimensions summary
You buy access to the Flow payment infrastructure platform, then pay per transaction as you use it. The dimensions are usage-based units grouped by function. Money movement splits into incoming transfers and outgoing payouts, priced separately by rail: NEFT, RTGS, and combined IMPS and UPI. Account setup covers virtual account creation and bank verification requests. Recurring payments break into eNACH registrations, presentations, and modifications, plus UPI Autopay registrations and presentations. Each unit is billed on consumption, so your total scales with the volume and mix of transactions you process across these categories.
Top-of-mind questions for buyers
Each outgoing payout transaction counts as one unit under its rail. One NEFT payment equals one NEFT unit. RTGS payments meter separately as RTGS units. IMPS and UPI payouts share a combined unit. You pick the rail per transaction, and that transaction bills against the matching dimension.
A mandate meters in stages. You pay one eNACH or UPI Autopay registration unit to set it up. Each collection attempt bills a presentation unit. eNACH cancellations, returns, and changes bill separate modification units. So one long-running mandate accrues charges across several dimensions over time, not a single flat fee.
A Virtual Accounts unit covers creating one virtual account or UPI ID used to collect funds and aid reconciliation. A Bank Verifications unit covers one bank account verification request, often a penny drop check run before payout or collection flows. Both meter per request as you create accounts or verify beneficiaries.
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Vendor refund policy
Subscription, usage, overage, upgrade, and setup fees are non-refundable except where required by applicable law. Refunds or chargebacks related to payment transactions are subject to Decentro transaction dispute and banking partner policies. Customers may raise billing or refund requests at support@decentro.tech or grievances@decentro.tech . Cancellation requests apply at the end of the active subscription term.
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Delivery details
Software as a Service (SaaS)
SaaS delivers cloud-based software applications directly to customers over the internet. You can access these applications through a subscription model. You will pay recurring monthly usage fees through your AWS bill, while AWS handles deployment and infrastructure management, ensuring scalability, reliability, and seamless integration with other AWS services.
Resources
Vendor resources
Support
Vendor support
Decentro provides dedicated onboarding, integration, and operational support for all customers using Flow. Customers can expect assistance with API integrations, payment workflows, transaction operations, troubleshooting, and platform-related queries through dedicated support channels.
Business & Partnerships: hello@decentro.tech PA / PG / Collections Support: pgsupport@decentro.tech All Other Support: support@decentro.tech
Customer grievances and dispute management:
AWS infrastructure support
AWS Support is a one-on-one, fast-response support channel that is staffed 24x7x365 with experienced and technical support engineers. The service helps customers of all sizes and technical abilities to successfully utilize the products and features provided by Amazon Web Services.
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